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lloyds tsb debt - every dca has had this alleged debt - when will it stop! - help


tc5712
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did you ever sar lloyds?

 

might have charges/ppi there to reclaim?

 

dx

 

Hope I am posting correctly but your question about PPI on this debt has prompted me to an eureka moment.!!

 

These DCA have bought debts that they hope to capitalise on yet what about this situation regarding claim back on PPI

and other charges how does this affect them regarding the total payable figures that they quote on their paperwork.

 

I know you can dispute this but I am not clear as to the end result how does the debt get recalculated after refund ?

 

Am I just being dimwitted or missing something here ?

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i bet it will WIPE the debt out

 

AND most prob go direct to YOUR pocket

 

if the debt has been sold

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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only bank account charges are off the menu [though those you can sometimes get back under a hardship claim]

 

everything else CC.loan.cats debts.

can all have charges reclaimed

[over/late/letter/phone etc etc]

 

AND you can get back the interrest at THEIR rate that these have attracted too.

 

there is a 6yrs limit [as such]

but there are MANY MANY successes of charges passed 6yrs being won]

 

PPI can be reclaimed from ANYTHING.

and there is NO TIME LIMIT

 

suggest you do some reading around

some threads

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

New letter from the 'Solicitors' dept on behalf of Westcock.

 

Basically saying contact them to arrange a 'reduced' offer of payment for settlement.

 

Yeah, right! If they had any legal standing whatsoever why would they offer this option?

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they need free money for their xmas party.......

 

discount letter is always the clincher to them not having

any concrete proof the debt can be enforced.

 

ignore

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Since I last posted I'm still keeping up the silent treatment here.

 

A couple more letters have been filed from Westcocks 'Solicitors' dept.

 

They seem to have given up and have now received a 'door step collection notice'. Saying they will make an 'appoinment' with their agent to visit me!

 

Will be interesting to see how such an 'appointment' can be arranged as I have never had any contact with them execpt when they called me (which they gave up quick smart when I gave them the only in writing treatment).

 

What next?

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Continue the silent treatment, they simply lie and threaten people, you have zero to worry about, if in the unlikely event any such clown did turn up and you answered YOUR door to YOUR property, I believe the conversation would be extremely short, a little like them asking you who you are, and you just laughing at them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

OMG! Westcott keep going!

They called my mobile on Friday evening and I know it's a no-no but couldn't resist a few words. It went something like this:

 

Westcott: Is that Mr tc5712?

Me: Yes, good evening, how are you?

Westcott: Good thank you, now if you could just confirm these security questions?

Me: No

Westcott: (Pause............) Um...... why?

Me: I've told you before to only contact me in writing.

Westcott: But we have been.

Me: Yes I know

Westcott: But you haven't replied.

Me: Yes I know

Westcott: (Pause............) Um...... why?

Me: Because I'm ignoring them.

Westcott: (Pause............) Um...... well that's your choice.

Me: Yes it is.

Westcott: Ok, we'll send a letter.

Me: Please do and don't call again! (Click).

 

Then their auto dialler called my landline and it was the same person!

 

Westcott: Is that Mr tc5712?

Me: You know damn well it is!

Westcott: Did I just speak to you?

Me: Yes you did, do I need to go all through it again for you?

Westcott: No, (click)!

 

Oh what fun.....

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phishing list pass the parcel

 

as post 64

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Oh dear,

 

I seem to have upset them and stirred up a hornets nest with my phone conversation a few weeks ago!

 

I've had a couple of rambling letters since but now this one! (On pretty pink paper)! Where did they find that? lol

 

'Reduced payment', 'must be made to our office'.

 

Dream on...

Westcot 21 Feb.pdf

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clincher

 

a discount letter

 

we are begging you to pay us 'something' before you realise we can't get anything from you

 

totally ignore

 

told ya!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Please welcome the newest guest to this party 'IQOR'.

 

Google searches suggest they are normally associated with eBay & paypal disputes, the number I rang back (01772 220504, just to conform who they were because when they called me I thought they said 'ICALL') they guy said they work on behalf of Halifax & LloydsTSB.

 

CLICK!

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Idiot iQor, another of the industries finest clowns, these fools also have their fat fingers in other pies as well, including the BBC, sorry TV Licensing...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Two new letters this week. (Attached).

 

The first to hit the doormat was from Lloyds telling me they have passed the debt to Iqor, (I presume passed = ask them to try and get some money, see the bit about Iqor letter below). thanks for that. They've already called and told me that! Very keen beavers...

 

The second from Iqor themselves with all the usual threatening phrases but it still says at the top left 'Debt of £xxx to Lloyds TSB'.

 

I am presuming that, a) the supposed debt is still owned by Lloyds & b) keep up the silent treatment?

 

TIA all,

 

TC

LloydsTSB May 2012_0001.pdf

Iqor May 2012_0001.pdf

Edited by tc5712
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Pull the links to the letters and remove that bar code, the funny lines.

 

It would be safe to say that Lloyds still own this, but check your credit file also to see what is on there.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Pull the links to the letters and remove that bar code, the funny lines.

 

It would be safe to say that Lloyds still own this, but check your credit file also to see what is on there.

 

Attachments edited, have email alerts set on my credit file and have had no warnings...

 

Thanks Boo.

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Phew!

 

I am of the opinion that DCA's can be given the silent treatment, after your contract is not with them, I know what it says in agreements about passing it to third parties etc, but the fact that banks are not whiter than white, and they then pass it to another corrupt industry to collect is, to me, indicative of the financial industry as a whole and the OC needs to take responsibility for it's actions.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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